The general claims process
While the exact steps vary by provider, a consistent pattern shows up across the manufacturer warranties and third-party providers we've researched:
- Report the fault as soon as you notice it. Several manufacturers explicitly state that continuing to drive with a known issue can invalidate your claim, since further damage may not be considered part of the original defect.
- Get authorisation before repair work begins. Most warranties — manufacturer and third-party alike — require the repairer to get approval before starting work, not after.
- Use an approved or authorised repairer where required. Manufacturer warranties typically require repairs at an authorised dealer within their network. Third-party providers vary — some require their own approved garage network, others allow any VAT-registered garage.
- Provide your service history. Almost every warranty we've checked can decline a claim if a fault is linked to inadequate or missed servicing, so keeping records is important.
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Get a free quote →Manufacturer warranty vs third-party provider claims
These generally work slightly differently:
- Manufacturer warranty: claims go through the manufacturer's own authorised dealer network. The dealer typically contacts the manufacturer's warranty administrator directly to get authorisation before starting the repair.
- Third-party provider: you generally contact the provider directly to register the fault before any work begins. See our reviews of MotorEasy and Warrantywise for their specific claims processes.
WORTH KNOWING
If you're travelling abroad and need a repair, most warranties we've researched require you to pay the overseas repairer directly, then claim reimbursement once you're back in the UK — usually within a set number of days of the invoice date. Keep your paperwork.
What you'll need ready
- Your vehicle registration and VIN
- A clear description of the fault and when it started
- Your service history/records
- Proof of purchase or your warranty policy documents
Common reasons claims get rejected
Based on the exclusions we've found consistently across manufacturer and provider warranties:
- The part affected is a wear-and-tear item (see our guide on what does a car warranty not cover)
- Servicing wasn't carried out on schedule, or wasn't carried out to the manufacturer's specification
- The fault is linked to an accident, misuse, or an unauthorised modification
- The fault existed before the warranty or cover period began
- Work was started before authorisation was given
Frequently asked questions
What should I do first if I notice a fault?
Report it to your warranty provider or an authorised repairer as soon as possible, and avoid continuing to drive if the fault could get worse or cause further damage.
Do I need to use a specific garage to make a claim?
Usually yes for a manufacturer warranty (an authorised dealer). Third-party providers vary — check your specific provider's terms.
Can my claim be rejected if I missed a service?
Yes, this is one of the most common reasons for a rejected claim across the warranties we've researched — though most allow a small grace period around the due date.
What if I need a repair while abroad?
Most warranties require you to pay the overseas repairer yourself, then claim reimbursement once back in the UK, usually within a set number of days of the invoice.